49 Spruce Rd, North Reading, MA 01864 Property Records

Middlesex County and North Reading Town property record for 49 Spruce Rd, North Reading, MA 01864

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 2,997 sqft · built 1988
Lot Size	2.75 acres (120,182 sqft)
Owner	2 Individual Names on File
Last Sale	$733,000 (Jun 2015)
Tax Bill	$14,849 (2025)
Deeds & Mortgages	May 2022 Refinance Sep 2022 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`M:25-P:077`

Property Details

APN / Parcel Number

Primary APN	`M:25-P:077`
Alternative APN	`NREA M:025.0 B:0000 L:0077.0`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	10 Rooms
Stories	2 Stories
Building Area	2,997 sqft Living Area
1st Floor Area	1,464 sqft
Basement Area	1,230 sqft
Unfinished Basement	799 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1988
Effective Year Built	Effective 1988
Architectural Style	Colonial
Exterior Material	Wood Siding
Construction Type	Concrete
Roof Type	Gable
Roof Material	Asphalt
Lot Area	120,182 sqft (2.75 acres)
Garage Type	Attached
Parking Spaces	2 Parking Spaces
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Heating Fuel	Oil

Location & Zoning

Street Address	49 SPRUCE RD
City	NORTH READING
State	MA
Zip	01864-1730
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RA
Legal Lot Number	77.0
Jurisdiction	NORTH READING MA
Township / Civil Division	NORTH READING
Census Block Group	1
Census Block	1010
Census Tract	330201

Owner

Source: Middlesex County and North Reading Town assessment roll, as of April 14, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on File
Mailing Address	49 SPRUCE RD, NORTH READING, MA 01864-1730
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 16, 2022	Deed of Trust, Mortgage · Stand-Alone Refinance SALEM FIVE CENTS SAVINGS BANK
Sep 23, 2022	Deed of Trust, Mortgage · Line of Credit FIDELITY COOPERATIVE BANK
Sep 27, 2019	Deed of Trust, Mortgage · Line of Credit CITIZENS BK/RI
Feb 11, 2019	Deed of Trust, Mortgage · Line of Credit CITIZENS BK/RI

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Jun 19, 2015 · Amount on Record
Deed Sale	Jun 19, 2015 · Amount on Record
Deed Book / Page	65575 / 35
Record Updated	Jun 8, 2026

May 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NORTH READING MA
Property Address	49 SPRUCE RD, NORTH READING, MA 01864-1730
Transaction Type	Mortgage
Record Updated	Apr 14, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	080127-298
Date	May 16, 2022
Book Page	80127/298
Instrument	72788

Lender

Name	SALEM FIVE CENTS SAVINGS BANK
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded

September 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NORTH READING MA
Property Address	49 SPRUCE RD, NORTH READING, MA 01864-1730
Transaction Type	Mortgage
Record Updated	Apr 14, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	080748-162
Date	Sep 23, 2022
Book Page	80748/162
Instrument	144592

Lender

Name	FIDELITY COOPERATIVE BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	241 Months
Due	Oct 1, 2042

Interest

Rate Type	Adjustable Rate

September 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NORTH READING MA
Property Address	49 SPRUCE RD, NORTH READING, MA 01864-1730
Document Number	73505-194
Instrument Date	Sep 27, 2019
Transaction Type	Mortgage
Record Updated	Nov 12, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	49 SPRUCE RD NORTH READING MA 018641730, NORTH READING, MA 01864-1730

Mortgage

Document Number	73505-194
Date	Oct 23, 2019
Book Page	073505/000194
Instrument	163292

Lender

Name	CITIZENS BK/RI
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

February 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NORTH READING MA
Property Address	49 SPRUCE RD, NORTH READING, MA 01864-1730
Document Number	72274-520
Instrument Date	Feb 11, 2019
Transaction Type	Mortgage
Record Updated	Mar 25, 2019

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	49 SPRUCE RD NORTH READING MA 018641730, NORTH READING, MA 01864-1730

Mortgage

Document Number	72274-520
Date	Feb 27, 2019
Book Page	072274/000520
Instrument	24421

Lender

Name	CITIZENS BK/RI
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

Source: Middlesex County and North Reading Town assessment roll, as of April 14, 2026

Property Jurisdictions

Type	Name
State	Massachusetts
County	Middlesex County
County Subdivision	North Reading Town
Unified School District	North Reading School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2025	$14,849.00 (+3.62%)	$1,137,000 (+4.81%) Land $531,000 Building $606,000
2024	$14,330.00 (+1.91%)	$1,084,800 (+7.93%) Land $478,800 Building $606,000
2023	$14,061.00	$1,005,100 Land $470,100 Building $535,000

Assessed value is set for property tax purposes and is not a market price estimate.

Flood

Source: FEMA National Flood Hazard Layer, effective September 10, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	8 in force

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 95% of the US · lower than 90% of Massachusetts
Wildfire Likelihood	Under 0.01% annual chance
Exposure	Direct burnable vegetation at the parcel

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	NORTH READING WATER DEPT. serves 16,379 people · EPA ID MA3213000
Water Source	Purchased surface water from ANDOVER WATER DEPT
Last State Inspection	Dec 2024
Lead	2 ppb (2025) action level 15 ppb

Violations Reported to EPA

Water Quality	Total trihalomethanes resolved · Jul 2020
Treatment and Procedure	Coliform assessment Aug 2019
Monitoring and Reporting	1 last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 136 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Verizon Fiber · Fixed Wireless in parts of the area	980 / 880

May also be available: T-Mobile USA.

Cell Coverage

5G (outdoors only) and 4G LTE

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